The Clear Money toolkit
Every tool, free, no signup.
Twenty-two calculators built for real life. Pick the one closest to your situation or take the 60-second checkup and we'll point you at the right one.
Phase 1: Survive
Stop the bleeding.
- Most popular
Paycheck Decoder
Decode every line on your pay stub. Find the money you didn't know you had.
4 minutesOpen Survival Budget Builder
A barebones budget that protects rent, food, and transport first.
8 minutesOpenEmergency Fund Planner
How much cushion you actually need and a real path to get there.
5 minutesOpen- Beta
Bank Statement Decoder
Drop a CSV. We categorize transactions, find leaks, and surface real spending patterns.
5 minutesOpen
Phase 2: Break Free
Escape the debt trap.
Debt Payoff Planner
Realistic timelines and the right order to attack avalanche or snowball.
6 minutesOpen- Beta
Medical Bill Auditor
Up to 80% of hospital bills have errors. Catch yours, then negotiate.
10 minutesOpen Bankruptcy Analyzer
Understand whether Chapter 7 or 13 fits your situation, dignity intact.
12 minutesOpenStudent Loan Optimizer
Pick the right repayment plan, including PSLF and forgiveness paths.
8 minutesOpen
Phase 3: Protect
Build your safety net.
Credit Score Action Planner
See exactly which moves lift your score and how fast.
6 minutesOpenCredit Optimizer
A multi-step plan to fix credit issues and unlock better rates.
10 minutesOpenInsurance Comparison
Compare policies side-by-side. Find the gaps before they find you.
8 minutesOpenHealthcare Optimizer
Pick the right plan, use HSAs, and lower out-of-pocket costs.
9 minutesOpenEstate Planning Calculator
Federal and state liability, plus the planning moves that actually help.
12 minutesOpen
Phase 4: Build
Put money to work.
Mortgage Calculator
Affordability, total cost, and DTI/HTI ratios across financing options.
7 minutesOpenCar Buying Tool
Five-year total cost of ownership and the right financing choice.
8 minutesOpenSide Hustle Profitability
True profitability after taxes, time costs, and opportunity cost.
8 minutesOpenReal Estate Investment
10-year projection, cap rate, cash flow, and risk analysis.
12 minutesOpen- Beta
Portfolio Analyzer
Allocation health, rebalancing recommendations, and risk fit.
10 minutesOpen Retirement Planner
How much you need, how much you'll have, and the gap between them.
9 minutesOpen
Phase 5: Live Free
Choose your life.
- Beta
Financial Independence
Your FI number, projected age, and the savings rate that gets you there.
8 minutesOpen Tax Optimization Planner
10+ strategies with savings estimates against your actual bracket.
10 minutesOpen- Beta
Tax Estimator
Estimate your federal and state tax liability for the year.
6 minutesOpen